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Why Intact predicts sustained hard market in home insurance

June 5, 2020 by Greg Meckbach

Natural disasters like the recent Fort McMurray flooding will likely continue driving home insurance rates up, suggests Intact Financial Corp. CEO Charles Brindamour. “Personal property is in a relatively hard market environment with mid to upper single digit rates increases.

News Insurance

Where the Co-operators is raising home insurance premiums

March 17, 2020 by Greg Meckbach

The Co-operators General Insurance Company reported a double-digit increase in homeowners’ premium growth in 2019, which the Guelph, Ont. insurer attributes to higher average premiums in Ontario and Western Canada. In its annual report released Wednesday, The Co-operators reported net

News ClaimsClaims CanadaLegal

Does home insurance cover road rage?

March 2, 2020 by Greg Meckbach

If a client is sued for alleged road rage in Ontario, is coverage for the legal defence the responsibility of the home insurer, auto insurer or both? This question could go to the Supreme Court of Canada if it agrees

News CatastrophesInsurance

Ottawa’s latest response to calls for government flood insurance

January 27, 2020 by Greg Meckbach

It’s been three years since brokers called for a government backstop for residential flood losses, but Ottawa is not specifically committing to any particular model of government-run insurance for homes at high risk of flood. At the moment it is

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Premier promises to take PST off home insurance

July 9, 2019 by Adam Malik

Insurance premiums are taking a starring role in Manitoba’s provincial election. Manitoba Premier Brian Pallister has pledged to drop provincial sales tax from home and renters’ insurance should he be re-elected in this fall’s election. The announcement received positive reviews

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Uber-style platform for expediting appraisals now in Canada

April 16, 2019 by David Gambrill

An Uber-style platform to expedite home and auto claims appraisals has made its way into Canada. Offered by WeGoLook, the online and mobile sharing-economy platform provides personalized, onsite data capture for inspections and low-complexity services across the United States. Now

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How brokers can stop a flooded basement

April 16, 2019 by David Gambrill

A recent study suggests brokers have a golden opportunity to talk to homeowners one-on-one about how to protect homes from basement floods. With the right information and often for less than $500, homeowners can protect themselves from the increasing risks

News EngineeringInsuranceLegal

Did settling soil or sudden water leak cause this home damage?

September 8, 2018 by Greg Meckbach

A disputed home insurance claim could go to trial because the carrier has accessed 22-year-old court records from the claimant’s divorce. In September, 2009, Douglas Cotter noticed the patio along the front of his Penticton, British Columbia home had shifted.

Storm surge as high as 30 ft in Biloxi, Mississippi destroyed most of the structures right on the coast.
News CatastrophesInsuranceMarkets / Coverages

The exclusion that no longer applies to this home insurance coverage

August 28, 2018 by Greg Meckbach

Fifteen years after Nova Scotia was hit by Hurricane Juan, a Canadian home insurer is offering storm surge coverage in all four Atlantic Canada provinces. Storm surge is a rise in sea level resulting from atmospheric pressure changes and wind

News ClaimsLegal

Rebuild contractor wins lawsuit vs. homeowner’s breach of contract

August 14, 2018 by Greg Meckbach

After her home burnt down, a homeowner tried to get the proposed rebuild to fit the quotation of an insurer, contributing to a breakdown in the relationship between the homeowner and the contractor. The dispute led to a lawsuit to

Feature Claims CanadaInsuranceLegal

Monk v. Farmers’ Mutual Insurance Co. (Lindsay): Further Lessons in Policy Language and Interpretation

May 18, 2016 Michael S. Teitelbaum, partner; and Ashley Peacock, associate Hughes Amys

Introduction In Monk v. Farmers’ Mutual Insurance Co. (Lindsay), [2015] ONCA 911, the Court of Appeal reversed the motion judge’s decision1 that the “faulty workmanship” exclusion applied to both direct and indirect damages. The Court ruled that the motion judge’s